A credit card is one of the most expensive ways to borrow money.

However, you can make them work for you by following the ten golden rules of credit card management.

If you don’t use your credit card wisely, it will be one of the most expensive ways to borrow money. Some charge more than 20% annual interest.

And it’s not just the interest you’re hit up for: the big banks’ fee income from credit cards increased 170% in 5 years.

However, you can make credit cards work for you by using the 10 golden rules.